Ditech Financial LLC
Consumer Complaints
There are over 14647 complaints on file for Ditech Financial LLC. Dated between 2019-12-10 and 2012-03-19.
Complaints Page 110
2017-07-27
Galena, OH
Struggling to pay mortgage
Mortgage: FHA mortgage
Complaint: I am trying to get a loan modification with Dietech Financial LLC FIRST ATTEMPT XX/XX/XXXX I faxed all of the requested information required by Dietech to apply for a FHA LOAN modification due to a recent divorce and was behind on my mortgage. I called and spoke to XXXX and was informed they had my recent application and that it was completed properly and I had furnished all required documentation of income as they require.
XX/XX/XXXXI sent a mortgage payment for {$680.00} to Dietech Financial LLC. My actual mortgage payment is {$580.00} I sent extra so they could apply the difference to the past due amount.
XX/XX/XXXX I sent a mortgage payment for {$670.00} to Dietech Financial LLC. My actual mortgage payment is {$580.00} I sent extra so they could apply the difference to the past due amount.XX/XX/XXXX I received my checks back in the mail with a letter from Dietech Financial LLC that the amounts I sent in did not cover the past due amount in full and therefore they could NOT ACCEPT my payments.
XX/XX/XXXX I received a letter of denial from Dietech. The reason for the denial was they did n't receive the proper documentation and paperwork from me.XX/XX/XXXX I spoke to XXXX ext # XXXX and was then informed that there had been a mistake, they had received the proper paperwork but 30 days had passed and they need me to re-apply and send all new documentation.
XX/XX/XXXX I received a letter from Dietech Financial LLC informing that I had an assigned account representative XXXX XXXX XXXX ext XXXX to work on my loss mitigation claim.
SECOND ATTEMPTXX/XX/XXXX I faxed the required documentation per Dietech Financial LLC request. I called and spoke to XXXX a " loss mitigation '' specialist. He informed my I had not filled in form XXXX correctly and I needed to resend the information again.XX/XX/XXXX I received a letter from Dietech Financial LLC that my mortgage had been sold to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but the letter stated that I still needed to contact Dietech Financial LLC for loan servicing.
XX/XX/XXXX I faxed more documentation to Dietech Financial LLC.
XX/XX/XXXX I spoke to XXXX XXXX and she informed me they did not show receiving the documentation. I refaxed the XXXX to them on this day. I rec 'd a confirmation on my fax machine that the fax did go through. On this same day I talked to XXXX " Relationship Manager '' and he verified that they had received my correctly completed application and it would take one week for my case to get assigned. XXXX at that time told me I would receive a letter stating the $ amount I would have to pay for 3 months on time to qualify for a loan modification. At this time I was {$2700.00} behind and it would take 123 days for late charges to go away after they received my 3 month trial payments.
XX/XX/XXXX I sent an email to Dietech Financial LLC asking to update me on the status of my loan modification. I did not receive a response from them.
XX/XX/XXXX I called and spoke to XXXX ext XXXX and gave him my email address during the conversation. I called to inquire about the status of my application. I was advised I had to wait for them to review and I would receive a letter in the next 10 business days with instructions on how we are going to proceed. I did not receive any such letter.
XX/XX/XXXX I spoke to XXXX XXXX ext XXXX to inquire about the status of my loss mitigation. I was assured by this customer service rep that my application was " in process '' and to be patient.
XX/XX/XXXXI spoke to XXXX XXXX ext XXXX to inquire about the status of my loss mitigation. I was assured by this customer service rep that my application was " in process '' according to their computer system.
XX/XX/XXXX I was told by XXXX to call the loss mitigation department directly and speak to XXXX ext XXXX. I called XXXX who is in XXXX, AZ and the phone rang and no voice mail options were presented.
XX/XX/XXXX I emailed Dietech Financial LLC again due to it now being 177 days since I first spoke to them on the phone concerning my late payments.
XX/XX/XXXX I spoke to XXXX ext XXXX. I was told that the system had a " glitch '' and my requests had not been processed. XXXX then stated she would " re-refer '' my application. She told me I had been assigned a " Relationship Manager '' and that there was no need to send new documentation, they show receiving my 2nd correctly completed application and in 2-3 days I would receive a call from my Relationship Manager. The call never came.
XX/XX/XXXX I called Dietech Financial LLC and spoke to XX/XX/XXXX ext XX/XX/XXXXwho was unable to tell me anything about my loan modification application and transferred me to XXXX ext XXXX. I was told I needed to fill out a LOSS MITIGATION PACKET once again as they showed in their system my first and second attempt had never been filed in their system.
THIRD ATTEMPT XX/XX/XXXX I rec 'd the new Loss Mitigation packet. I filled out all required documentation, I called to confirm they received it and it was 100 % correct. I spoke to XXXX ext XXXX XX/XX/XXXX I spoke to XXXX ext XXXX and she confirmed my documents were scanned into their system onXX/XX/XXXX. At this point in time I am now behind {$4700.00} and I reminded them I sent the two separate payments inXX/XX/XXXX that they refused to accept due to them not being the full amount.
XX/XX/XXXX I spoke to XXXX ext XXXX and she confirmed that all documents were received and a " referral '' was sent to a relationship manager on XX/XX/XXXX. XXXX submitted for the loan modification for what is now the THIRD ATTEMPT. She noticed my application had been getting " kicked back '' every time since my first attempt due to a Dietech Financial LLC " glitch '' in their system. She advised that it is an internal system problem due to my loan being sold to XXXX. XXXX stated that XXXX will follow through on it with Dietech Financial LLC.XX/XX/XXXX I received a letter from Dietech Financial LLC that my application for a loan modification had been received and is complete. I have been approved for a loan modification loan. FINALLY-or so I thought.
XX/XX/XXXX I signed the " Trial loan Period Plan '' documents and sent back to Dietech Financial LLC. I was to pay {$580.00} for XXXX, XXXX and XXXX payments on time to qualify for the final modification.XX/XX/XXXX I spoke to XXXX and set up 3 automatic payments from my checking account to auto draft on XX/XX/XXXX for {$580.00} for the required trial period of payments being received on time per his direction the amount would be 3 payments of {$580.00}.
XX/XX/XXXX my first payment of {$580.00} had been deducted from my checking account for my first payment that was due XX/XX/XXXX. I paid the XXXX payment early.
XX/XX/XXXX my second payment of {$580.00} had been deducted from my checking account for my second payment that was due XX/XX/XXXX. I paid the XXXX payment early.
XX/XX/XXXX my third and final payment that was required to be made to meet their terms of 3 months paid on time in the amount of {$580.00} was made onXX/XX/XXXX for the month of XXXX. I paid the XXXX payment early.
XX/XX/XXXX I received a call from Dietech Financial LLC stating that their customer service person made an error and I needed to pay them {$6.00} to fulfill my commitment and qualify for the loan modification. I was assured at this time that I had met all requirements and would be approved. I would be receiving a letter to inform me of what my new payments would be.
XX/XX/XXXX I received a letter from Dietech Financial LLC datedXX/XX/XXXX that I failed to make my 3 monthly trial payments on time and was DENIED. The letter states that I did not meet the requirements of Federal Housing Adminstration and XXXX.
XX/XX/XXXX I called and spoke to XXXX ext XXXX about this and it must be a mistake. XXXX assured me he had emailed his supervisor XXXX to let her know that I still qualify and the letter was sent to me by mistake. XXXX was unable to provide me with a reference number for our conversation and would not give me his supervisors contact information. He advised that I could " take his word '' that this situation is not as it seems and their system has a " glitch ''. At this point I knew not to trust what the customer service representative told me and followed the " FORMAL LETTER OF APPEAL '' to the decision and sent it US POSTAL CERTIFIED MAIL with a signature required and a return card to my home so I could have proof of my appeal. Due to the mutiple " issues '' with my first 2 applications for a home loan modification I followed through with the formal letter of appeal to the denial letter. In this letter I included screenshots of each withdraw from my checking account by Dietech as stated in the time line above as proof that I had adhered to the required terms to qualify for the loan modification.
XX/XX/XXXX I made a payment of {$580.00} for the month of XX/XX/XXXX payment.
XX/XX/XXXX I received the certified mail signed receipt from Dietech and they did receive my appeal in writing. I also received a certified mail notice to pick up at the post office.
XX/XX/XXXX I picked up the letter and it was from Dietech stating that this is a FORMAL LETTER advising you that I have been denied and the total amount of {$5900.00} is now due byXX/XX/XXXX or they will proceed with FORECLOSURE. I called immediately and spoke to XXXX ext XXXX about this letter. He had no idea what I was talking about. I explained my entire situation to him and he said he would forward me to his manager. His manager was busy with another customer and XXXX advised me to leave a voicemail on his managers extension and his manager XXXX XXXX would call me back immediately to remedy this error on their end. XXXX forwarded me to XXXX XXXX and their system gave me an automated message saying " that extension does not exist '' and I ended up in a never ending loop of the same message. I hung up and that is why I am filing a formal complaint against Dietech Financial LLC.
Dietech Financial LLC has been nothing but a hassle through this whole process. While I understand it is not their fault I need a loan modification, they showed gross negligence and incompetence in handling all 3 of my loan modification applications and do not have a resolution for this yet. I have been passed from one customer service representative to another through the entire process. I have been promised the problem is NOT on my end and it is on their end due to XXXX buying my mortgage and system glitches. As of this minute I am still not approved for a home modification. I am beyond frustrated with their lack of follow through and constant denials based on their records. I have a time line, names, extensions, letters from them and a signed certified letter to back my claims of gross customer neglect to provide if you need them to support my claims.
Sincerely, XXXX XXXX XXXX
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-07-27
Cordova, TN
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-27
Lewisville, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: We recieved a call from Ditech on XXXX XXXX, 2017. The rep advised us that our payment was short and had gone up for this month and going forward. We were asked to pay the XXXX that it was short. My husband paid it over the phone right away. The rep assured him that we paid it on time and we would not be assessed a late fee. the next month we received a statement advising that we we were charged a late fee. I called and was told that they would not waive the late fee, even though it was charged in error. the payment was not posted to our account until XXXX, but was paid on XXXX. I wrote a letter to ditech and they advised that the late charge would not be waived ( XXXX ) I do not believe we should be assessed a late fee as we made the payment on XXXX, the cutoff date and the rep told us that we would not be charged a late fee as we made the full payment on time. Please help
Company Response: Closed with explanation
2017-07-27
IL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: Originally my husband and I refinanced our home in XX/XX/XXXX to combine our 1st and 2nd mortgage into one loan. I did not realize that the Loan Originator did not have my name on the loan I later found out after my husband passed away that I was not on the Note only on the Mortgage and the Deed. To my knowledge the loan was to be done as we originally had it with both of our names on the Note and the Mortgage. My issue is I am now trying to refinance under the HARP Program but because my name is not on the Note they will not report the payments that I have been making for the past 71/2 years to the credit bureaus, but have sent me printed receipts until of XX/XX/XXXX is when I received the last receipt in my name they now come in my deceased husband 's name. I really need to refinance my home so I can stay in my home. Back in XXXX the interest rate was 6.375 % for 30 years and the rates have been historically lower in the past years and could save me my home and the extra money I am saving I can do some maintenance should it be required on my home in the future. I live on a widow 's pension which is very limited and I am XXXX years old and have not been able to work for a very long time, so refinancing my home means everything to me. I tried to work with the mortgage co but no one will even speak to me now about this mortgage.
I am attaching receipts from XXXX thru XXXX in my name but they still will not report this in my name to the bureaus as they know I am the one making the mortgage payments, and I am the sole owner of the property.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-27
Burbank, CA
Trouble during payment process
Mortgage: FHA mortgage
Complaint: I signed a promissory note on XXXX XXXX, 2004 with XXXX XXXX and have still not received a certified copy of the original note with the proper endorsements to any other lender, even though XXXX XXXX claims to be acting as Trustee for an LSF9 Trust I know nothing about according to the attached assignment of Deed of Trust. Therefor once again per Section 6 of RESPA this is a qualified written request ( QWR ) for all the documentation pertaining to my note.
Company Response: Closed with explanation
2017-07-27
Louisville, KY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-27
Bellevue, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XX/XX/XXXX a payment was debited from my account in the amount of {$250.00} made payable to ditech. In XX/XX/XXXX the payment was identified as being 30 days late. I called and explained the auto-payment scheduling had expired and once I noticed, made the payment immediately which was less than 30 days. They contend that they dont do people favors and that they did not receive the payment. Below is the correspondence that I sent them and never received any resolution to the issue of this payment was not 30 days late. I even included a copy of my bank statement. I believe ditech has issues with their accounting systems that dont properly reflect when payments are received and deceptive in not contacting you in the event that there is an issue with your account. I have consistently paid this debt in a timely manner and take exception to how I was treated and the fact I have a derogatory mark on my credit report.
XX/XX/XXXX I dont appreciate the flippant tone used in the letter and the intent behind your words are both troubling and reason for me to escalate internally in your company. As mentioned in my initial complaint, these payments set up through auto-pay from my account on the same time each month. There was an issue somewhere along the way and once it was identified I immediately submitted payment. If the account representative that called me would have informed me of the issue the payment would have been made sooner. Attached is a copy of my bank statement showing the payment was made on XX/XX/XXXX, so this indeed needs to be corrected on my credit report. Please adjust on XXXX and XXXX immediately.
XX/XX/XXXX As previously provided payment was received prior to XX/XX/XXXXthe {$250.00} is shown debited from my account on Wednesday, XX/XX/XXXX. There was no check to provide because this this was an electronic transfer which your antiquated records should show. I am not requesting a courtesy or need assistance with my credit score. You records are incorrect and I will be providing this proof to all three credit unions and will escalate internally within your company prior to finding another institution to service this loan. Your correspondence has been unprofessional and disrespectful. This is my final request for you to rectify the situation.
XX/XX/XXXX As previously stated, I dont agree and will begin the dispute process with all credit agencies. I am also in the process of trying to transfer this loan to another financial institution. I have excellent credit and always available to discuss any issues revolving around my account but I will not tolerate the unprofessionalism and disrespect I have experienced the past six months. I also plan to provide copies of all of our correspondence to the current President XXXX XXXX The way this business has been handled up to this point, I am not surprised that this is the fourth CEO named in less than a year.
Company Response: Closed with explanation
2017-07-26
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-07-26
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-26
Redding, CA
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-26
Beach Park, IL
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-26
Cliffwood Bch, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-26
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-26
Jackson, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2017-07-25
Bohemia, NY
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: Several years ago I was called and offered a personal loan on the telephone for XXXX from a company named GreenTree Servicing. I was told explicitly that it was a personal line of credit, a personal loan. I accepted and received normal bills and made payments. Aproximatly, one year later The bill started referring to the terms as a mortgage as though this was a second mortgage on my home! I had never taken out a second mortgage on my home with this company, especially at 13 % interest. They also failed to give me the rate that they promised which was about half. I contacted this company numerous times to no avail and to avoid bad credit I still paid the bill. Then they started misallocatibg the payments to only pay the interest on this personal loan which they now referred to as a Mortgage. Again, after so many calls a consumer can only take but so much. Subsequently, they then transferred my personal loan/ their supposed mortgage to Ditech who I still receive bills from and pay. At the same time, this said to be personal loan from GreenTree/Ditech which somehow attached itself to my mortgage then started coming with not only my name but my girlfriend 's name who is co-owner of the home. She had never been involved in this personal loan transaction. In fact, this entire transaction took place over the phone with no documents included to sign, all verbal. But again, she never had anything to do with this and I never agreed to the terms that they are referring to. My home had nothing to do with this loan. Without hiring an attorney how can I get this resolved as they are also now unwilling to modify or relook these terms and are now destroying my credit as well. This is blatant fraud and I feel extremely victimized. Thank you in advance for your help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-25
Colville, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-25
Stockbridge, GA
Trouble during payment process
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-25
Williams, MN
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-25
Iron City, TN
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-07-25
Garrett Park, MD
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Sued you in a state where you do not live or did not sign for the debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-25
Detroit, MI
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Dear Staff, Greetings and thank you for your service. This transmission is to report that the original complaint # XXXX was not resolved. The issue and problems from the original complaint is way beyond the {$22.00} late fee indicated. To recap, in the fall of XXXX, Ditech Corp. indicated there was a {$900.00} shortage in the escrow account connected to my mortgage. This caused an increase in the mortgage payments from {$1000.00} to the tune of {$1100.00}. Ditech Corp. paid {$4900.00} in property taxes to the municipality erroneously, when the correct amount was under {$3300.00}. Subsequent communications with the company, by phone and in writing revealed that the company was not applying entire mortgage payments to the account ; between {$790.00} and {$930.00} was, and is, still being held in abeyance by the company. The company continues to send me default notices and invoices demanding amounts of {$250.00} and over {$2000.00}. The most recent communication from the company is a new escrow statement dated XXXX/XXXX/XXXX demanding more money due to a shortage in the escrow account of over {$900.00}. The new monthly payment is projected to be {$1100.00}. Please note, no mortgage payments have ever been missed. All payments have been made in accordance with the terms of my grant from the State of Michigan Step Forward program. I do n't owe any extra money. My property taxes, nor hazard insurance, has increased. The original error from the winter was never corrected. My monthly mortgage payments are still being split between payments. Invoices issued by Ditech to me indicate I 've missed two monthly mortgage payments when this is not true. Unsolicited loan modification papers and threatening letters continue.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2017-07-25
Belle Haven, VA
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: Ditech has XXXX up my account for over one year now funneling my payments into their unapplied funds account. Every month since XX/XX/XXXX XX/XX/XXXX, I have called and spoke to representatives, even supervisors and directors and was told that the continued error that they continued to make would be fixed.. It was not until I involved additional third parties ( the press, and social media ) they want to now act on the empty promises they provided me regarding correcting my account for months. In XX/XX/XXXX, a director and a loan specialist explained to me that Ditech has no way to recognize overpayments that have been sent to the company for years and never was a problem before but for some reason now is incapable to recognize. This was confirmed by your director XXXX XXXX director at Ditech and XXXX XXXX Senior Vice President Special Assets and Corporate Facilities, Security at XXXX XXXX who stated that her team oversees the practices of Ditech. Their errors have led to an incorrect XXXX being issued and needing correcting. Ditech reallocated my funds in or around XX/XX/XXXX and discovered that my loan was paid up 1 month in advance. I was told then that the reallocation would apply the payments that were originally applied incorrectly would now be applied correctly. That did not occur as evident with the increase in my principle balance. Let me pause here for a minute I find it odd that this company was sent an overage amount monthly for over 9 months and my principle balance would increase. The reallocation that Ditech alleges was applied correctly caused my account to go in default, caused late fees to accrue that I was never made aware of. They sent me four collection letters and even sent a representative to my home I presume to collect on account that turned out to be paid ahead. I called the designated parties on the collection letters multiple time, they were never available, had no voicemail, and when I was able to get a voicemail for someone, I never received a call back. After multiple attempts to determine the reasoning to why a party from their organization would come to my home unannounced and unscheduled I received a road block. Ditech attempted to provide me some ridiculous story that they are entitle to visit my home at any time to inspect my home. Well being that the company has been associated with break ins, a theft of homeowners belongs and unsolved murders, I took matters into my hands and filed a protective order against them. In XX/XX/XXXX, I received a notice stating my escrow was short and my payments would increase. I found this to be odd because again I have been sending an overage amount to the company for over 9 months why on earth would my escrow be short? I thought that was odd because I never received a notice indicating that my taxes would be increasing. I called Ditech and was told by three representatives that my taxes had increased. However, the city treasurer refuted that claim when they provided in writing that my taxes had remained the same. I Ditechs AVP XXXX XXXX at XXXX and asked him to explain and he alleges that they received my storm water bill and that the company would take over paying that. Problem was that I was already paying and had paid my storm water bill through web bill pay through my bank and my account was current. Again the company alleged that the city sent them the bill and was simply obliging by paying for it for me. That was refuted again in writing from the city treasurer who stated that it is not a practice of theirs to issue duplicate bills to the owner and the mortgage servicer. The treasurer however confirmed that Ditech requested my bill. So we return to how do we explain the shortage? My inquiries sparked another analysis to be completed on XX/XX/XXXX and I was sent a notice stating I was now in surplus of {$380.00}. Interesting! Then Ditech did another analysis on XX/XX/XXXX and I am now in a shortage again of {$240.00}. I have called and left a message on director XXXX XXXX director of customer service voicemail multiple times at XXXX and no return call, I have called XXXX XXXX the AVP of customer service multiple times at his number XXXX and no response, I have left multiple message for the VP of loan processing XXXX XXXX at XXXX since XX/XX/XXXX and I have NEVER received a call back from him. Ditech has attempted to contact my mortgage insurance company and request that the mortgagee be changed to multiple parties including Multiples affiliates and has ignored multiple requests of the names of their affiliates if it is to be listed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-24
Bremen, GA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is a XXXX XXXX loan that became delinquent in XX/XX/XXXX . A ccording to XXXX XXXX guidelines a streamlined modification was suppo sed to have been given at the 90th day of delinquency in XX/XX/XXXX . I t never happened. Notice was sent to mortgage company o n XX/XX/XXXX that they were supposed to give a streamlined modification. They still are not offering the streamlined modification and foreclosure is scheduled for XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-24
Brkn Arw, OK
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-24
NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: A late fee that was incorrectly applied to my account on XX/XX/XXXX. I called Ditech and they explained that customer service had no authority to issue late fee credits but I could Fax a letter to XXXX do dispute the fee. I sent a letter ( attached ) to this fax on XX/XX/XXXX to address this issue. I never received a reply.
On XX/XX/XXXX, I called Ditech customer service to ask why the late fees were not credited ; the answer was that the request was denied. I was given no explanation except as to say that it was part of my contract and the company policy was not to give credit back on late fees. I asked to speak to a supervisor. I was told no supervisor was available but one would call me back. I insisted and asked to wait on the phone line. Eventually I was given a supervisor named was XXXX # XXXX. I explained why the fee was not justified but it was clear that XXXX XXXX was not interested in resolving the issue. I asked my recourse and was told that I could fax my dispute to XXXX. I explained that I had already faxed a dispute to that number. I that point he told me that it was never received. ( Attached is the fax receipt log verification ). He went on to explain to me that I signed a contract that authorized the late fee and offered to send the contact. ( Which he sent by mail ) He further explained that the fee would stay on my account and if it was not paid, then the note would not be release when it was eventually paid off. He also went on to say I will get the same answer at Ditech from anyone else. Clearly Ditech has a policy to enforce the late fees but what is not clear is that they are doing it based on the contract. My contract clearly states that the payment is the principle and interest. See Section 3 ( A ) The Note does not mention the escrow fee as part of the payment. Conflating the escrow payment and the loan payment into the same payment is clearly a Ditech policy. The contract does not authorize them to charge the late fee on the escrow. See Section 7 ( A ) Ditechs policy is unfairly collecting fees from consumers that pay their mortgage payment but are short on the escrow account. Instead of booking the mortgage payment and booking the remaining funds in the escrow account, Ditech puts the funds in a suspense account thereby creating a late fee. In my case, my escrow account was substantially funded and in no risk of being short for the next disbursement. Ditech has no authority to collect the late fee of {$58.00} in this circumstance.
Ditect should credit my account for the late fee and stop this practice of creating late fees with a suspense account.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with monetary relief